Dave Ramsey

Dave Ramsey- “We buy things we don’t need with money we don’t have to impress people we don’t like.”

Work is a surefire money-making scheme.

Dave Ramsey

If broke people are making fun of your financial plan, you’re on track.

Dave Ramsey

We buy things we don’t need with money we don’t have to impress people we don’t like.

Dave Ramsey

Success is a pile of failure that you are standing on.

Dave Ramsey

For a period of time, you can win financially and later buy whatever you want.

Dave Ramsey

Broke people giving financial advice is like a shop teacher with missing fingers.

Dave Ramsey

You don’t deserve anything until you save and pay for it.

Dave Ramsey

Those who don’t manage their money will always work for those who do.

Dave Ramsey

It is human nature to want it and want it now; it is also a sign of immaturity. Being willing to delay pleasure for a greater result is a sign of maturity. However, our culture teaches us to live for the now. “I want it!” we scream, and we can get it, if we are willing to go into debt. Debt is a means to obtain the “I want its” before we can afford them.

Dave Ramsey

Winning at money is 80 percent behavior and 20 percent head knowledge. Most of us know what to do, but we just don’t do it.

Dave Ramsey

If the lottery worked, rich people would pay poor people to stand in the line for them.

Dave Ramsey

Debt is normal. Be weird!

Dave Ramsey

You must gain control over your money or the lack of it will forever control you.

Dave Ramsey

Financial peace isn’t the acquisition of stuff. It’s learning to live on less than you make, so you can give money back and have money to invest. You can’t win until you do this.

Dave Ramsey

If you buy a $28,000 car, in four years it will be worth about 11,000 bucks.

The average millionaire drives a three year old car and clips coupons.

Dave Ramsey

If you will live like no one else, later you can live like no one else.

Dave Ramsey

To think that the handling of your personal finances is merely a matter of math control is naive. You must get better control of all aspects of your life. Until you do, (even the best advice) will have little effect but will instead be neutralized by the other habits in your life.

Dave Ramsey

You wanna blow money? Put it in a “blow” category in your budget. But at least admit it on paper.

Dave Ramsey

Get in Total Attack Mode. All you have to do is execute, execute, execute now. If your friends that are broke aren´t making fun of you, then you are not on track. If your family says, “Look, they´ve joined a cult!” then you are right on track.

Dave Ramsey

Pray like it all depends on God, but work like it all depends on you.

Dave Ramsey

A friend of mine who is a billionaire told me that he reads a book to his grandkids and I should read that book. The book is “The Tortoise and the Hare”. Every time he reads the book, the tortoise wins. Slow and steady wins the race, and consistency matters. Get-rich-quick never wins.

Dave Ramsey

I’d rather be a redneck millionaire than a broke socialite.

Dave Ramsey

Fear is the enemy of hope.

Dave Ramsey

Goals are dreams with work clothes on.

Dave Ramsey

Debt is dumb, cash is king and the paid off home mortgage has taken the place of the BMW has the status symbol of choice.

Dave Ramsey

You must walk to the beat of a different drummer. The same beat that the wealthy hear. If the beat sounds normal, evacuate the dance floor immediately! The goal is to not be normal, because as my radio listeners know, normal is broke.

Dave Ramsey

If you try to impress other people, you´ll lose the wealth race.

Dave Ramsey

For your own good, for the good of your family and your future, grow a backbone. When something is wrong, stand up and say it is wrong, and don’t back down.

Dave Ramsey

My financial life began turning around when I took responsibility for it.

Dave Ramsey

Stupid is not illegal.

Dave Ramsey

A budget is telling your money where to go instead of wondering where it went.

Dave Ramsey

Once you agree, then pinky swear and spit-shake that you will both stick to the budget.

Dave Ramsey

Here is how you spell “paying too much”: M-A-L-L.

Dave Ramsey

The credit card is the cigarette of the financial world.

Dave Ramsey

I’ve done stupid with zeros on the end.

Dave Ramsey

It is pretty much for the wealthy in the sense if you have over $1 million in assets, you’ve got to have some other things you’re doing to keep the government’s hands off the money in the process. Of course, the first element of the big estate plan is the will. There may be trusts, some other things built into that. That’s not for everybody. It is something you kind of need to think through.

Dave Ramsey

You can’t work three hours a week and make $100,000. Get rich quick doesn’t work. Crock pot mentality always defeats microwave mentality.

Dave Ramsey

Not until the pain of the same is greater than the pain of change will you embrace change.

Dave Ramsey

Work is hard, that is why you get paid to do it.

Dave Ramsey

An emergency fund changes a crisis into an inconvenience.

Dave Ramsey

If the Red-Raced Kid (”I want it, and I want it now!”) rules your life, you will stay broke.

Dave Ramsey

I don’t want to walk across hot coals because it is fun, but if I can be shown how a short, painful walk will do away with the lifetime of worry, frustration, stress, and fear that being constantly broke brings me, then bring on the hot coals.

Dave Ramsey

The average millionaire can’t tell you who got thrown off the island last night.

Dave Ramsey

I would not pre-pay. I would invest instead and led the investments cover it.

Dave Ramsey

Life is hard. But life is REALLY HARD for stupid people.

Dave Ramsey

I am an American, and I refuse to participate in this recession.

Dave Ramsey

A big part of being strong financially is that you know where you are weak and take action to make sure you don’t fall prey to the weakness. And we ALL are weak.

Dave Ramsey

When you get money, you become more of what you are.

Dave Ramsey

That stupid saying “What you don’t know can’t hurt you” is ridiculous. What you don’t know can kill you. If you don’t know that tractor trailer trucks hurt when hitting you, then you can play in the middle of the interstate with no fear- but that doesn’t mean you won’t get killed.

Dave Ramsey

We have all experienced loaning someone money and finding an immediate distancing in the relationship…We don´t control how debt affects relationships; debt does that independently of what we want. The borrower is servant to the lender, and you change the spiritual dynamic of relationships when you loan loved ones money.

Dave Ramsey

Without a mission statement, you may get to the top of the ladder and then realize it was leaning against the wrong building.

Dave Ramsey

Diligence = disciplined excellence over time

Dave Ramsey

We’re not going to write a check every time you’re stupid. Nobody’s got that much money.

Dave Ramsey

What can you do when you have no payments? Anything you want!

Dave Ramsey

I like the way I’ve built wealth better than the way you haven’t. Live like no one else so later you can live like no one else!

Dave Ramsey

I figured out that what makes you thinner than wearing black, is to be thinner.

Dave Ramsey

If you buy the things you do not need, one day you will need the things you can not buy.

Dave Ramsey

Live like no one else, so later on you can live like no one else.

Dave Ramsey

I know very few financially successful people who have separate lives and separate checking accounts. If you want a life of your own, you shouldn’t get married.

Dave Ramsey

Consumers got to wake up and just say no.

Dave Ramsey

Let some one else take the butt kicking on devaluation.

Dave Ramsey

Get up, leave the cave, kill something and drag it home.

Dave Ramsey

I’m not talking about Hitler’s boot camp for kids or something. But they do need to learn to work, … Graduate from high school with something more than the ability to open a bag of Doritos and play Nintendo. That’s a bad plan. Work creates money. I meet 54-year-olds that haven’t got that one down.

Dave Ramsey

Your only difference between now and ten years from now will be the books you read and the people you meet.

Dave Ramsey

Debt has been sold to us so aggressively, so loudly, and so often that to imagine living without debt requires myth-busting. Debt is so ingrained into our culture that most Americans can´t even envision a car without a payment…a house without a mortgage…a student without a loan…and credit without a card. We´ve been sold debt with such repetition and with such fervor that most folks can´t conceive of what it would be like to have NO payments.

Dave Ramsey

The tide’s running out and we’re going to find out who’s skinny dipping!

Dave Ramsey

You don’t want your live your life in the middle of a Jerry Springer episode.

Dave Ramsey

This is not a game, … Debt has become a part of who we are. It’s become that spoiled child in the grocery store with their lip stuck out: ‘I want it. I want it. I deserve it because I breathe air.’ And, well, that’s an uphill climb in our culture right now, to go against that and say, ‘Hey, let’s be grownups here. Let’s be mature, learn to delay pleasure, save up and pay for things.’

Dave Ramsey

If you want something you’ve never had, you’ll have to do something you’ve never done.

Dave Ramsey

If two people that are just alike get married one of them is unnecessary.

Dave Ramsey

Broke can’t help poor.

Dave Ramsey

Beans and rice, rice and beans.

Dave Ramsey

Tell your money where to go, or it will leave you.

Dave Ramsey

If you shoot for nothing, you will hit it every time. I am teaching my kids to dream.

Dave Ramsey

I was a overnight success, after working my butt of for 15 years!

Dave Ramsey

Give every dollar a name.

Dave Ramsey

When all of your money comes in, goes out, and only the names are changed to protect the innocent- You’re broke!

Dave Ramsey

Too many people try to do the new job, new spouse, new house, new car thing in 18 months. That’s a good way to end up broke. We’ve got to resist the temptation to catch up with our parents in 18 months. Slow down. You have the rest of your life to play catch up. After all, it’s just stuff.

Dave Ramsey

Quit worrying about what you look like and start worrying about what you are.

Dave Ramsey

It’s the same advise that your grandparents would tell except I tell you with my teeth in.

Dave Ramsey

You can’t unmilk a cow.

Dave Ramsey

I’m not against people having new cars. I’m against them having you. We spend a tremendous amount impressing somebody at the stoplight who we’ll never meet. It makes you broke and keeps you broke.

Dave Ramsey

I’m not against people having new cars. I’m against them having you. We spend a tremendous amount impressing somebody at the stoplight who we’ll never meet. It makes you broke and keeps you broke.

Dave Ramsey

Financial peace isn’t the acquisition of stuff. It’s learning to live on less than you make, so you can give money back and have money to invest. You can’t win until you do this.

Dave Ramsey

Money is like manure. Left in a pile, it stinks. If you spread it around, it’ll grow some stuff.

Dave Ramsey

Work – get paid; don’t work – don’t get paid. Everybody is on commission, … Try not coming to work for six weeks. Work gets paid; don’t work, don’t get paid. When they earn those dollars, and when you’re 4, and you clean up your room, it really means mom cleaned up the room and you did two toys. When you’re 14, it means you cleaned up your room. But still, we got the money caused by work, and then, we have teachable moments on how to handle the money they earn.

Dave Ramsey

You will be back here supplementing that appropriation again, again and again.

Dave Ramsey

I call this the great misunderstanding ? the idea that we give because churches need our money.

Dave Ramsey

We have discussed how the strengths and weaknesses in your life will affect your personal finances, but we cannot leave that subject without dealing with one of life´s dirtiest words— discipline. You will have conflict, worry, shortages, and general lack of fun until you achieve some discipline in the handling of your funds. I am not saying you have to run or live in a financial boot camp, but you must start to think before you sign that check. You must begin today to look at your finances differently from how you have done so before. You must recognize that you must bring your finances totally under your control.

Dave Ramsey

Money is 80 % behavior, 20 % head knowledge. It’s what you do, not what you know.

Dave Ramsey

We consumers have become a nation of servants to financial institutions. We used to joke that a bank was where you could borrow money if you could prove you didn´t need it. Now, with the advent of aggressive credit marketing strategies, we can borrow even when we shouldn´t be allowed to. We are sold credit in so many ways by so many people that we end up buying a lot of it, meaning we borrow money. We borrow money, not just because it is made easy for us, but because we are sold on the convenience, perceived prosperity, and fun that all that “stuff” and associated debt are supposed to bring us.

Dave Ramsey

We must develop a power over purchase — instead of allowing our purchases and the people from whom we make the purchases to have power over us. We must remember that we can always spend more than we make. I once met a man whose annual income in one year increased from $42,000 to $175,000. Both years he spent everything he made. He had no sales resistance, no power over purchase.

The path to success is to take massive, determined action. Anthony Robbins Most people have no idea of the giant capacity we can immediately command when we focus all of our resources on mastering a single area of our lives. Anthony Robbins I believe life is constantly testing us for our level of commitment, and […]

The few who do are the envy of the many who only watch. Jim Rohn Work harder on yourself than you do on your job. Jim Rohn Commit yourself to something bigger than yourself. Jim Rohn If you go to work on your goals, your goals will go to work on you. If you go […]

The man who succeeds above his fellow man is the one who early in life clearly discerns his objective, and toward that objective he directs all of his powers. Vince Lombardi The difference between a successful man and others is not a lack of strength, not a lack of knowledge, but rather a lack of […]

I fear not the man who has practiced 10 000 kicks once, but I fear the man who has practiced one kick 10,000 times. Bruce Lee If you love life, don’t waste time, for time is what life is made up of. Bruce Lee Ever since I was a child I have had this […]

You were born to win, but to be a winner you must plan to win, prepare to win, and expect to win. Zig Ziglar What you get by achieving your goals is not as important as what you become by achieving your goals Zig Ziglar When you are tough on yourself, life is going to […]

The world has the habit of making room for the man whose actions show that he knows where he is going. Napoleon Hill There is one quality which one must possess to win, and that is definiteness of purpose, the knowledge of what one wants, and a burning desire to possess it. Napoleon Hill […]

I hated every minute of training, but I said, “Don’t quit. Suffer now and live the rest of your life as a champion.” Mohammed Ali It’s the repetition of affirmations that leads to belief. And once that belief becomes a deep conviction, things begin to happen. Mohammed Ali It’s lack of faith that makes […]

Are you bored with life? Then throw yourself into some work you believe in with all your heart, live for it, die for it, and you will find happiness that you thought could never be yours. Dale Carnegie Act enthusiastic and you will be enthusiastic. Dale Carnegie If you believe in what you are doing, […]

Cut your losses short, and let your profits run…

What is good for our customers is also, in the long run, good for us. Ingvar Kamprad Don´t ever make an oral agreement, or trust a handshake. Always put everything down in writing. If you don´t follow this rule even the best lawyers in the world can´t help you. Ingvar Kamprad Once you start to […]

As long as your going to be thinking anyway, think big. Donald Trump What I admire most are people who put themselves directly on the line. Donald Trump You can’t be scared. You do your thing, you hold your ground, you stand up tall, and whatever happens, happens. Donald Trump Get in, get it done, […]

Commit to your business. Believe in it more than anybody else. Sam Walton Ignore the conventional wisdom. If everybody else is doing it one way, there’s a good chance you can find your niche by going in exactly the opposite direction. Sam Walton Capital isn’t scarce; vision is. Sam Walton I think I overcame every […]

Early to bed, early to rise, work like hell and advertise. Ted Turner You should set goals beyond your reach so you always have something to live for. Ted Turner If you’ve got an innovative idea, and the majority does not poohpooh it, then the odds are you must not have a very good idea. […]

Entrepreneurs are never satisfied. They want to do things better. They strive for perfection and use all the ingenuity to their command to achieve it. J Willard Marriot Success seems to be connected to action. Successful people keep moving. They make mistakes, but they never quit. J Willard Marriot Only close attention to the fine […]

There are one hundred men seeking security to one able man who is willing to risk his fortune. J Paul Getty Formula for success: rise early, work hard, strike oil. J Paul Getty In times of rapid change, experience could be your worst enemy. J Paul Getty The meek shall inherit the earth, but not […]

I do not believe in excuses. I believe in hard work as the prime solvent of life’s problems. J C Penney Every man must decide for himself whether he shall master his world or be mastered by it. J C Penney Unless you are willing to drench yourself in your work beyond the capacity of […]

Raise your sights! Blaze new trails!! Compete with the immortals!!! David Ogilvy The pursuit of excellence is less profitable than the pursuit of bigness but it can be more satisfying. David Ogilvy Don’t bunt. Aim out of the ball park. Aim for the company of immortals. David Ogilvy I believe in the Scottish proverb: “Hard […]

Press on. Nothing in the world can take the place of persistence. Talent will not; nothing is more common than unsuccessful men with talent. Genius will not; the world is full of educated derelicts. Persistence and determination alone are omnipotent. Ray Kroc If you work just for money, you’ll never make it, but if you […]

I do not think that there is any other quality so essential to success of any kind as the quality of perseverance. It overcomes almost everything, even nature. John D Rockefeller Singleness of purpose is one of the chief essentials for success in life, no matter what may be one´s aim. John D Rockefeller The […]

Have the courage to follow your heart and intuition. They somehow already know what you truly want to become. Everything else is secondary. Steve Jobs Your work is going to fill a large part of your life, and the only way to be truly satisfied is to do what you believe is great work. And […]

Think of yourself as a threshold of unparalleled success. A whole, clear, glorious life lies before you. Achieve! Achieve! Andrew Carnegie Immense power is acquired by assuring yourself in your secret reveries that you were born to control affairs. Andrew Carnegie I believe that the true road to preeminent success in any line is to […]

Margareth Thatcher Quotes

I do not know anyone who has got to the top without hard work. That is the recipe. It will not always get you to the top, but should get you pretty near. Margaret Thatcher Plan your work for today
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Winston Churchill quotes…

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Benjamin Franklin quotes…

To succeed, jump as quickly at opportunities as you do at conclusions. Benjamin Franklin Energy and persistence conquer all things. Benjamin Franklin If a man empties his purse into his head, no man can take it away from him. An
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Trading Room War Stories…

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